2025 Corporate Incentive Goals

Data as of December 2025

Organizational Capacity15%% of strategic initiatives executed75.00%87.50%100.00%TBD in AprilTBD in AprilTBD in April

Balanced Scorecard Perspective Weighting Measure Threshold Target Maximum Current Standing Percentage Rank Percentage of Target Incentive
Member 15% Member Experience (MX) Beacon Score * 64.50 66.50 68.50 74.87 100.00% 133.33%
Financial 50% Share growth 6.50% 8.00% N/A 4.71% 0% 0%
Overall loan growth, including sold loans** 4.50% 5.90% 8.00% 6.89% 73.57% 109.43%
Net income / ROA (core) 0.90% 1.05% 1.20% 0.99% 30.00% 92.00%
NOELR / assets 1.68% 1.58% 1.48% 1.61% 35.00% 94.00%
(Delinquency & charge-offs) / total loans 0.56% 0.46% 0.36% 0.73% 0% 0%
Internal Processes 20% First contact resolution (FCR) % 95.25% 95.75% 96.25% 96.97% 100.00% 120.00%
Service level agreement (SLA) resolution % 93.50% 94.25% 95.00% 94.51% 67.20% 106.88%
Organizational Capacity 15% % of strategic initiatives executed 75.00% 87.50% 100.00% 100.00% 100.00% 120.00%
TOTAL: 90.23%

*Max worth 133.33% (to account for Share growth max being N/A).
**Participations cannot exceed business plan.

Member Experience (MX) Beacon Score

Share growth

Overall loan growth, including sold loans

Net income / ROA (core)

NOELR / assets

(Delinquency & charge-offs) / total loans

First contact resolution (FCR) %

Service level agreement (SLA) resolution %

% of strategic initiatives executed